Last Updated: August 19, 2026
Hills Bank and Trust Company (“Hills Bank,” “we,” “us”) is pleased to make information about our business and services available via our website located at https://www.hillsbank.com/ (the “Website”). The following terms govern your access and use of our Website including your access to any information available on our Website or use of any features of our Website. Use of our Website is also subject to our Privacy Policy, which is available here.
Please note, use of our financial products or services, including but not limited to Hills Bank Online™, may be subject to additional terms and conditions that are not reflected in this document. These Terms supplement such other agreements by and between you and Hills Bank.
These Terms of Use (“Terms”) are entered into by and between you and Hills Bank. “You” and similar terms means you as an individual, as well as any business or entity on whose behalf you are using the Website, and you represent and warrant that you are authorized to enter into this agreement on behalf of yourself and/or such business or entity.
Please read these Terms carefully. By accessing or using the Website, you accept and agree to be bound and abide by these Terms (as well as our Privacy Policy). If you do not want to agree to these Terms, or if you become dissatisfied with these Terms, you must not access or use the Website.
Hills Bank reserves the right to make changes to these Terms at any time without notice to you, effective as of the “Last Updated” date above. All changes effective immediately when we post them, and apply to all access to and use of the Website thereafter. Your continued use of the Website following the posting of any revised Terms means that you accept and agree to the changes. You are expected to check this page from time to time so you are aware of any changes, as they are binding on you.
Accessing the Website
Subject to your compliance with these Terms, we hereby grant you a non-exclusive, non-transferable right to access and use the Website, solely and strictly in accordance with these Terms and applicable laws. You understand and agree that the Website is provided under license to you, not being sold to you, and you do not gain any ownership interest of any kind in the Website under these Terms.
We will not be liable if, for any reason, all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users. Hills Bank does not make any representations or guarantees regarding uptime or availability of the Website.
You are responsible for: (i) making all arrangements necessary for you to have access to the Website; and (ii) ensuring that all persons who access the Website through your internet connection are aware of these Terms and comply with them.
Your Information
You may need to provide certain details or other information to access some of the resources available on the Website; these details may be in addition to, or separate from, any other information you provide us as part of registering for our financial products or services. It is a condition of your use of the Website that all the information you provide us is correct, current, and complete. You are prohibited from impersonating any individual (living or deceased) or entity. You agree that all information you provide to us via the Website, use of the Website, or otherwise, is governed by our Privacy Policy, and you consent to all actions we take with respect to your information consistent with our Privacy Policy.
Appropriate Use
The Website is controlled and operated by Hills Bank from its offices within Iowa, United States. Hills Bank makes no representation that the information or materials on or linked through the Website is appropriate or available for use in other locations. Those who choose to access the Website from other locations do so on their own initiative and at their own risk and are responsible for compliance with all applicable laws, rules, and regulations in their respective location in doing so.
You shall not use the Website for any purposes beyond the scope of the access granted by these Terms. You shall not at any time, directly or indirectly, and shall not permit any third parties, to: (i) reproduce, modify, adapt, translate, create derivative works of or otherwise exploit any portion of the Website; (ii) rent, lease, lend, sell, license, sublicense, assign, distribute, publish, transfer, or otherwise make available the Website to any third party; (iii) reverse engineer, disassemble, decompile, decode, adapt, or otherwise attempt to derive or gain access to any software component of the Website or Hills Bank systems, in whole or in part; (iv) remove any proprietary notices from the Website; or (v) use the Website in any manner or for any purpose that infringes, misappropriates, or otherwise violates any intellectual property right or other right of any person, or that violates any applicable federal, state, local, or international law or regulation.
You shall not: (i) transmit or otherwise make available through or in connection with the Website, any virus, work, Trojan horse, time bomb, or other computer code, file or program that is potentially harmful or malicious or could lead to the harm or deletion of any computer systems or data; (ii) use any device, software or routine that interferes with the Website; (iii) use the Website in an unlawful or fraudulent manner; (iv) impersonate or attempt to impersonate any other person or entity, or misrepresent your identity in any manner, including through the use of another user’s credentials; (v) attempt to gain unauthorized access to, interfere with, damage or disrupt any parts of the Website, the server(s) on which the Website is hosted, or any server, computer or database connected to the Website; (vi) use any automatic device, process or means (including any bot, spider, or scrape) to access the Website for any purpose, including monitoring, scraping, exporting, or copying content or any data on or from the Website; (vii) use any manual process to monitor or copy any of the material on the Website, or for any other purpose not expressly authorized in these Terms, and (viii) otherwise attempt to interfere with the proper working of the Website, including but not limited to (attempted) denial-of-service or distributed-denial-of-service attacks.
We reserve the right to terminate or block access to the Website at any time, for any reason. We may take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the Website.
Intellectual Property Ownership
You acknowledge that, as between you and Hills Bank, Hills Bank owns all right, title, and interest, including all intellectual property rights, in and to the Website and, with respect to third-party products, the applicable third-party owns all right, title, and interest, including all intellectual property rights, in and to the third-party products, trademarks, images, and related designs.
Hills Bank names and logos and all related product and service names, design marks and slogans are the trademarks or service marks of Hills Bank or Hills Bank’s licensors. All rights are reserved. You are not authorized to use any Hills Bank name or mark in any advertisement, publicity or in any other commercial manner without prior written consent of Hills Bank. All other trademarks, trade dress, images, photographs, and other works appearing in connection with the Website are the property of their respective owners.
The entire contents and design of the Website are protected by U.S. and international copyright law. All rights regarding the Website and materials contained on the Website are either owned by Hills Bank, are licensed to it, or are used with permission. Hills Bank and its licensors, vendors or other service providers expressly retain and reserve all proprietary and property rights to the contents of the Website.
If you wish to make any use of material on the Website other than that set out in this section, please address your request to the contact information provided at the bottom of these Terms. Any use of the Website not expressly permitted by these Terms or by us in writing is a breach of these Terms and may violate copyright, trademark, and other laws.
Updates
We may from time to time in our sole discretion develop and provide Website updates, which may include upgrades, bug fixes, patches, and other error corrections and/or new features (collectively, including related documentation, “Updates”). Updates may also modify or delete in their entirety certain features and functionality. You agree that we have no obligation to provide any Updates or to continue to provide or enable any particular features or functionality.
Feedback
You agree that any and all suggestions, comments, and feedback that you submit at or via this Website in connection with any of our products and services (“Feedback”) will be non-confidential, except as otherwise specifically agreed or required by law. We may use any Feedback you provide, including ideas for new or improved products or services, concepts, know-how, techniques, etc., without any restrictions of any kind.
Chat Services
We may make interactive online chat (“Chat”) services available to you. We make no guarantee that the Chat services will be available at any particular time, for any particular period of time, or be free from fault or error.
While using the Chat services, you may interact with a bot, chatbot, virtual assistant, virtual concierge, or other non-human technology (each and collectively, a “Chatbot”). We will disclose the use of a Chatbot to the extent required by applicable law. When engaging with the Chat service, be advised that all chats will be monitored and retained.
The Chat services are provided by us as a convenience for you. Participating in the Chat services does not constitute consent by either you or us to use electronic records and signatures as a substitute for written documents. Any personal information shared with us when using the Chat service shall be subject to our Privacy Policy.
You may not use the Chat services to send abusive, defamatory, dishonest, or obscene messages, and doing so may result in termination of the Chat service.
Warranty Disclaimer; Limitations of Liability; Indemnification
THE WEBSITE, AND ALL INFORMATION AND SERVICES AVAILABLE VIA THE WEBSITE, IS PROVIDED "AS IS" AND HILLS BANK HEREBY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, OTHER THAN THOSE EXPRESSLY PROVIDED FOR HEREIN OR WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW. HILLS BANK SPECIFICALLY DISCLAIMS ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ALL WARRANTIES ARISING FROM COURSE OF DEALING, USAGE, OR TRADE PRACTICE. HILLS BANK MAKES NO WARRANTY OF ANY KIND THAT THE WEBSITE, OR RESULTS OF THE USE THEREOF, WILL MEET YOUR OR ANY OTHER PERSON'S REQUIREMENTS, OPERATE WITHOUT INTERRUPTION, ACHIEVE ANY INTENDED RESULT, BE COMPATIBLE OR WORK WITH ANY SOFTWARE, SYSTEM OR OTHER WEBSITE, OR BE SECURE, ACCURATE, COMPLETE, FREE OF HARMFUL CODE, OR ERROR FREE.
Transmission of information via the internet is not completely secure. We cannot guarantee the security of your personal information transmitted via the Website. Any transmission of personal information is at your own risk. You acknowledge and agree that we are not responsible for circumvention of any privacy settings or security measures of the Website.
IN NO EVENT WILL HILLS BANK BE LIABLE UNDER OR IN CONNECTION WITH THESE TERMS UNDER ANY LEGAL OR EQUITABLE THEORY, INCLUDING BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, AND OTHERWISE, FOR ANY: (i) CONSEQUENTIAL, INCIDENTAL, INDIRECT, EXEMPLARY, SPECIAL, ENHANCED, OR PUNITIVE DAMAGES; (ii) INCREASED COSTS, DIMINUTION IN VALUE OR LOST BUSINESS, PRODUCTION, REVENUES, OR PROFITS; (iii) LOSS OF GOODWILL OR REPUTATION; (iv) USE, INABILITY TO USE, LOSS, INTERRUPTION, DELAY OR RECOVERY OF ANY DATA, OR BREACH OF DATA OR SYSTEM SECURITY; OR (v) COST OF REPLACEMENT GOODS, SERVICES, OR WEBSITE, IN EACH CASE REGARDLESS OF WHETHER HILLS BANK WAS ADVISED OF THE POSSIBILITY OF SUCH LOSSES OR DAMAGES OR SUCH LOSSES OR DAMAGES WERE OTHERWISE FORESEEABLE. IN NO EVENT WILL HILLS BANK'S AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS UNDER ANY LEGAL OR EQUITABLE THEORY, INCLUDING BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, AND OTHERWISE EXCEED $500.
You agree to defend, indemnify, and hold Hills Bank, its parent and affiliate entities, and all of its and their owners, officers, directors, employees, contractors and service providers, harmless from and against any and all claims, damages, costs and expenses, including attorneys' fees, arising from or related to your (mis)use of the Website, your violation of applicable laws, rules or regulations, or your breach of these Terms.
Governing Law and Waiver of Class Actions
These Terms are governed by and construed in accordance with the internal laws of the State of Iowa without giving effect to any choice or conflict of law provision or rule. Any legal suit, action or proceeding arising out of or related to these Terms or the Website shall be instituted exclusively in the federal courts of the United States or the courts of the State of Iowa, in each case as located in Iowa City, Iowa. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.
YOU AGREE THAT HILLS BANK AND YOU ARE EACH WAIVING THE RIGHT TO TRIAL BY JURY. YOU FURTHER AGREE THAT ANY DISPUTE RESOLUTION WILL TAKE PLACE ON AN INDIVIDUAL BASIS; CLASS ACTIONS ARE NOT PERMITTED AND YOU AGREE TO GIVE UP THE ABILITY TO PARTICIPATE IN A CLASS ACTION OR ANY SIMILAR COLLECTIVE LEGAL ACTION. YOU WILL PURSUE ANY CLAIM OR DISPUTE REGARDING HILLS BANK IN YOUR INDIVIDUAL CAPACITY AND NOT AS PART OF A CLASS ACTION OR COLLECTIVE ACTION.
ANY CLAIM BY YOU MUST BE RAISED WITHIN TWELVE (12) MONTHS FROM THE DATE ON WHICH THE CLAIM AROSE OR IT IS WAIVED AND VOID.
Third-Party Websites
The Website may contain links or other connections to gain access to websites and social networks that are not under the control of or operated by Hills Bank, but rather are exclusively controlled and operated by third parties (collectively, “Third-Party Websites”). You may be transferred to a Third-Party Website even though it appears that you are still on our Website. These Third-Party Websites are subject to different terms and conditions and privacy policies. You agree that your use of Third-Party Websites is governed by the respective Third-Party Website privacy policy and terms and conditions. Hills Bank is not liable for your use of any Third-Party Website or how such Third-Party Websites may use your personal data.
Miscellaneous
Under no circumstances will we be held liable for any delay or failure in performance due in whole or in part to any acts of nature or other causes beyond our reasonable control.
If any provision of these Terms is found to be unlawful or unenforceable, then that provision will be deemed severable from these Terms and will not affect the enforceability of any other provisions.
The failure by us to enforce any right or provision of these Terms will not prevent us from enforcing such right or provision in the future. Any failure by us to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.
We may assign our rights and obligations under these Terms, including in connection with a merger, acquisition, sale of assets or equity, or by operation of law. You may not assign rights and obligations under these Terms, including in connection with a merger, acquisition, sale of assets or equity, or by operation of law, without our prior written consent.
These Terms and the Privacy Policy constitute the sole and entire agreement between you and Hills Bank regarding the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Website.
Contact Information
If you have questions or comments about these Terms, please contact us at:
Hills Bank and Trust Company
Email: hillsbank@hillsbank.com
Toll-Free Phone: 1-800-445-5725 (1-800-HILLSBK)
Postal Address:
Hills Bank, Attn: Marketing,
PO Box 160, Hills, IA 52235